Ed

Okay, and so let's dive into the spreadsheet and actually show you what their scenario looks like.

And it's really cool that somebody literally just said, oh good, this is a good example.

This kind of aligns with where this person happens to be at.

And one of the coolest things that we wrote into the spreadsheet is if we look at this graph,

And I'll just wait for that to load, because I know sometimes it takes a little bit.

Wait a minute, I'll tilt my screen there.

Just so I can see.

Well, what we can see is that right now, that orange line, right, that's above the purple line, which means that they do not have enough money to be able to go ahead and invest right now, right?

And that's because they've probably just purchased their first home.

They're still paying it down.

If we look at the uncommitted monthly income...

About 262K is what they'd be able to borrow under that test.

Debt to income ratio a bit higher.

LVR, $300,000.

So under none of these three scenarios, would they be able to get to the minimum desired property that we've put in here of $550,000?

Now that's totally okay, right?

Because as you know, over time, it's probably going to get better.

If they do nothing, you know, by the time they get two years into the future...

In the spreadsheet scenario, the LVR situation is looking quite good.

But the best thing here, in my mind, is that the spreadsheet actually tells you what you would need to do in order to get it ahead and turn it into a yes today.